Lynn Chen Zhang is a CFP® with 18 years of industry experience and has been with Zhang Financial since 2012. She is the author of the book *Make Yourself a Millionaire* and serves on the Western Michigan University Foundation Board of Trustees and the Kalamazoo Symphony Orchestra Board of Directors. Additionally, she holds a CPA designation and participates as a WMU trustee. Zhang Financial is a fee-only advisory firm with about 20 advisors managing approximately $7.2 billion for over 2,100 clients. The firm serves individuals, high-net-worth clients, trusts, pension and profit-sharing plans, charitable organizations, and municipal governments, offering asset management, financial planning, pension consulting, and institutional advisory services.

Jill Ingersoll is a financial advisor with M Holdings Securities, Inc. She holds Series 63 and Series 65 licenses and has 18 years of industry experience. Jill previously worked at Rose Street Advisors, LLC for 11 years and currently owns and operates Doerschler & Associates Wealth Management LLC, focusing on wealth management and employer-sponsored plans. M Holdings Securities, Inc. serves individuals, retirement plans, charitable organizations, corporations, and other business entities through a nationwide network of independent firms and professionals. The firm provides a range of advisory and brokerage services, including investment management, retirement plan consulting, and financial planning, utilizing both in-house portfolio managers and third-party sub-advisors.

Paul Knibbe is a financial advisor with Harbour Investments, Inc. in Kalamazoo, MI, holding a Series 66 designation and 15 years of industry experience. He has operated Knibbe Investment Management LLC since 2013 and also works as an independent insurance agent under that name. Harbour Investments serves a diverse client base, including individuals, trusts, pension and 401(k) plans, and institutional entities, offering portfolio management, financial planning, and access to multiple investment management platforms.

Kyle Triemstra is a CFP® professional with nine years at Zhang Financial and three years of industry experience. Prior to joining Zhang Financial, he worked at Cold Stone Creamery for five years. Zhang Financial is a fee-only multi-advisor firm managing approximately $8.37 billion in assets. The firm serves individuals, high-net-worth clients, charities, corporations, and government entities, offering portfolio management, financial planning, and retirement plan consulting using a blend of fundamental, technical, and cyclical analysis.

Giselle Schlubatis is a CFP® with 17 years of industry experience, currently serving as a financial advisor at Zhang Financial since 2019. She previously worked at Ameriprise Financial Services and TradeStation Securities. Zhang Financial is a multi-advisor, fee-only investment adviser managing approximately $8.37 billion in assets, serving individuals, high-net-worth clients, charities, corporations, and municipal government entities. The firm utilizes a combination of fundamental, technical, and cyclical analysis across various investment strategies and offers integrated services including portfolio management, financial planning, and pension consulting.

Cory Shaver is a financial advisor at M HOLDINGS SECURITIES, Inc. with four years of industry experience. He holds a Series 65 designation and has worked at Rose Street Advisors and Summit Pointe. Cory’s background also includes a role at Western Michigan University. M HOLDINGS SECURITIES, Inc. serves a diverse client base including individuals, retirement plans, and charitable organizations through a network of independent firms. The firm offers a range of advisory and brokerage services, combining investment management with retirement plan consulting and insurance advisory, supported by both in-house portfolio managers and third-party sub-advisors.

David Marshall is a CFP® with eight years of industry experience, currently serving at Zhang Financial since 2017. Prior to joining Zhang Financial, he worked at Jansen Valk Thompson Reahm, PC for one year. Zhang Financial is a fee-only investment adviser managing approximately $8.37 billion in assets with a multi-advisor team that provides portfolio management, financial planning, pension and retirement plan consulting, and institutional advisory services to individuals, charities, corporations, and municipal government entities. The firm employs a combination of fundamental, technical, and cyclical analysis using internally developed model portfolios and offers a range of strategies, including long- and short-term holdings, active trading, and option strategies.

Tricia Newcomb is a financial advisor at Plante Moran Financial Advisors with 10 years of industry experience. She holds Series 63 and Series 65 designations and has worked at Plante Moran Financial Advisors since 2004. Plante Moran Financial Advisors, LLC serves a diverse client base including individual households, institutional clients, and sovereign wealth funds, offering investment advisory, financial planning, and estate planning services. The firm employs a combination of fundamental, technical, and cyclical analysis along with proprietary equity market valuation models and frequently utilizes third-party separate account managers and alternative investments.

Charles Ybema is a financial advisor at F L Putnam Investment Management Co. with 15 years of industry experience. He holds Series 63, 65, and 66 licenses and has previously worked at Arcadia Investment Management Corp, Gimbal Capital Management, Morgan Stanley, J.P. Morgan Securities Inc., Banc One Securities Corporation, and Wells Fargo Clearing. Outside of finance, Mr. Ybema manages Lafayette Creamery, a super-premium ice cream production facility and retail shop. F L Putnam serves a diverse client base including individual investors, families, and institutions such as foundations and endowments. The firm provides a range of investment management and advisory services, using a team-based approach that combines internally managed strategies and third-party managers across asset classes, with options for sustainable investing and tax-aware rebalancing.

Kyle Mack is a CFP® professional at Zhang Financial with two years of industry experience. His prior work includes roles at SGH Wealth Management, Edward Jones, and Follett. Zhang Financial is a fee-only investment adviser managing approximately $8.37 billion in assets with a multi-advisor team. The firm serves individuals, high-net-worth clients, charities, corporations, and municipal government entities, utilizing a blend of fundamental, technical, and cyclical analysis across various investment strategies and time horizons.

Sarah Saum is a Series 65 licensed financial advisor with nine years of industry experience. She is currently affiliated with CreativeOne Wealth, LLC and Candor Wealth Strategies, where she serves as a wealth manager. Her prior work includes roles at Trifound Advisory, AE Wealth Management, and Brokers International Financial Services. CreativeOne Wealth, LLC provides fee-based asset management, financial planning, retirement plan consulting, and sub-advisory services to individuals, corporations, charitable organizations, and other RIAs. The firm employs a range of investment strategies including proprietary ETF-based core models, third-party model managers, boutique equity managers, and option-based strategies.

Cameron Kleinheksel is a CFP® and holds a Series 65 license with 14 years of industry experience. He has been with Zhang Financial since 2021, following roles at CapFinancial Partners, LLC. (CAPTRUST) and Plante Moran Financial Advisors. Zhang Financial is a fee-only advisory firm with approximately 20 advisors managing $7.2 billion for over 2,100 clients, including individuals, high-net-worth clients, trusts, pension plans, charitable organizations, and municipal government entities. The firm focuses on individualized asset management and continuous supervision, using a range of investment instruments and providing pension consulting with fiduciary responsibilities under ERISA.

Kolby Smith is a CFP® with 14 years of industry experience, currently serving as an advisor at Zhang Financial since 2017. Prior to joining Zhang Financial, he worked at Plante Moran Financial Advisors for one year. Zhang Financial is a fee-only advisory firm with about 20 advisors managing approximately $7.2 billion for over 2,100 clients. The firm serves individuals, high-net-worth clients, trusts, pension and profit-sharing plans, charitable organizations, and municipal government entities, offering asset management, financial planning, pension consulting, and institutional advisory services.

Michael Nowak is a Series 65 licensed financial advisor with Advisory Services Network in Portage, Michigan, with 15 years of industry experience. He has been with Advisory Services Network since 2016. In addition to his advisory work, he owns Michael Nowak Agency LLC, which offers health insurance for seniors and life insurance. Advisory Services Network provides investment advisory and planning services to individuals, families, corporations, and retirement plans through a large network of independent advisers. The firm offers a range of portfolio management and financial planning services, employing various investment strategies tailored to clients’ objectives and risk tolerances.

Chad Visser is a financial advisor with Bankers Life Advisory Services, Inc. in Portage, MI, holding Series 63 and Series 65 licenses and eight years of industry experience. He has been with Bankers Life Advisory Services since 2018 and has worked at affiliated entities within the Bankers Life group since 2013. In addition to his advisory role, he serves as a unit field trainer, managing and training insurance agents. Bankers Life Advisory Services, Inc. provides discretionary portfolio management and investment consulting primarily to mass-affluent and high-net-worth individuals, focusing on customized asset allocation, tax efficiency, and a combination of fundamental and technical analysis. The firm emphasizes individual client service and integrates investment and insurance offerings through its affiliated entities.

Lindsay Schmitt is a financial advisor at Oppenheimer with Series 63 and Series 65 credentials and three years of industry experience. Prior to joining Oppenheimer, Schmitt worked at Charles Schwab and Amerifirst Financial Corporation. Oppenheimer is a registered investment adviser and broker-dealer that serves individuals, corporations, pension plans, charitable organizations, and IRAs. The firm offers a range of investment and consulting services using both discretionary and non-discretionary approaches, combining strategic asset allocation, manager selection, and periodic portfolio reviews.

Andrew Schutz is a financial advisor with Fifth Third Securities, Inc. in Portage, Michigan. He holds Series 63 and Series 65 credentials and has five years of industry experience. His prior work includes roles at Fifth Third Bank and Avis Budget Group. Fifth Third Securities, Inc. serves individual and institutional clients, including high-net-worth individuals, corporations, and trusts, through investment advisory and brokerage services. The firm offers a variety of investment programs via its Passageway Managed Account Platform, utilizing multiple portfolio managers and strategies tailored to clients’ risk profiles.

Elizabeth Bingham is a financial advisor at Oppenheimer with nine years of industry experience. She holds the Series 66 designation and previously worked at The Limited and Western Michigan University before joining Oppenheimer. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension and profit-sharing plans, charitable organizations, and IRAs. The firm offers a range of programs including asset management, consulting, and retirement services, using both discretionary and non-discretionary approaches.

Andrew Martin is a financial advisor with Principal Financial Services in Kalamazoo, MI, holding a Series 66 designation and two years of industry experience. Prior to joining Principal in 2023, he worked at West Hills Athletic Club as a tennis coach for nine years. He is involved with the Community Healing Center, where he has participated in fundraising and run a tennis clinic for the organization's after-school program. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

James Montmorency is a financial advisor at Oppenheimer with 40 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Fahnestock & Co., Inc. since 1999. Montmorency is also a trustee of the James Montmorency Living Trust. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension plans, charitable organizations, and IRAs. The firm offers a range of programs including asset management, consulting, and retirement services with both discretionary and non-discretionary advisory approaches.